An interesting plot could involve an OC who is initially thought to be quirkless but discovers a latent quirk later on. This OC could then struggle to catch up with the others in terms of training and development. Or, an OC with a shapeshifting quirk could be used in a plot where they have to infiltrate a villain's lair by taking on the form of one of the villains' minions. They would have to be careful not to be discovered and also gather intelligence along the way.
One idea could be an OC with a unique quirk that doesn't seem powerful at first but has a hidden potential. For example, an OC who can manipulate shadows in a very limited way, but discovers they can use it to travel between dimensions in the shadows. Another could be an OC who is a foreign exchange student with a quirk that is considered abnormal in the My Hero Academia world, like a quirk that allows them to communicate with plants and use them as allies in battle. Or an OC who has a quirk that lets them see the future but only in their dreams, and they have to figure out how to use this information to help their classmates and heroes.
A more complex plot could be that the OC reincarnates into a world where the events of 'boku no hero academia' have taken a different turn. Maybe All Might was defeated much earlier and the villains are in almost complete control. The OC has to find a way to gather the remaining heroes, train them in new ways, and inspire hope again. This would involve a lot of character development as the OC has to prove themselves to the jaded heroes and also face the very powerful villains.
One idea could be a female OC who has a unique quirk related to sound manipulation. She could use it to both heal and attack. For example, she might be able to use certain frequencies to soothe injured heroes or use ultrasonic waves as a weapon against villains. Another plot could involve a female OC from a foreign country coming to study at U.A. High School. She has to deal with cultural differences while also trying to fit in with the other students and prove herself as a hero. A third idea is a female OC who discovers an ancient quirk that has been lost for generations and has to learn how to control it while also facing those who want to steal her new - found power.
A cool plot for a male oc fanfiction could be an oc who is from a family of villains but wants to be a hero. He has to constantly fight against the stigma and suspicion from his classmates and teachers. He might have a quirk that is seen as villainous, like the power to create illusions that can cause fear, but he uses it in positive ways, like creating distractions during rescue missions. Also, an oc with a quirk that lets him transform into different elements could be interesting. He could struggle with controlling his powers at first and accidentally turn into water during a classroom session.
The OC could have a quirk that gives them the ability to see all possible futures. This would make their decision - making in battles very crucial. They might struggle with the weight of this knowledge at first, but as they learn to trust their instincts and use their quirk effectively, they become an invaluable asset to their hero team. They could also use this quirk to prevent major disasters in the My Hero Academia world.
Perhaps the OC has a hidden past related to a villain organization, and the harem members are initially suspicious but as they get to know the OC better, they realize there's more to the story. This could create a lot of drama and conflict as the OC tries to prove their loyalty while also dealing with their growing feelings for the harem members.
One idea could be creating an OC with a unique quirk like the ability to control shadows but with a drawback that it only works during a full moon. Another is an OC who is a hero from a foreign country with a quirk based on their cultural heritage, for example, a quirk related to traditional dance forms that can be used to disorient villains. You could also have an OC who is a villain turned hero and has to deal with the prejudice from both sides.
How about a fanfiction where the villains and heroes have to team up? There could be a greater threat, like an alien invasion or a powerful quirk - user who is out to destroy the entire world. The heroes and villains realize that they can't defeat this threat alone, so they put aside their differences. This would lead to some really interesting character interactions, like Bakugo having to work with Shigaraki and both of them learning to respect each other's skills despite their opposing natures.
A great plot could involve the ruthless OC being a double agent. They pretend to be a hero but are actually working for a secret villain group. As they interact with the heroes, they start to have doubts about their loyalty to the villains. Maybe they fall in love with a hero, which further complicates things. Another plot is that the OC has a vendetta against a particular hero or villain family. They use their ruthless tactics to systematically take down members of that family one by one. Also, the OC could be part of an experiment that gives them super - ruthlessness, and they have to deal with the consequences of this new - found trait.
Maybe a plot where a group of Warhammer heroes are sent to the Hero Academia world to stop a chaos invasion that is starting to seep into that realm. They have to work with the local heroes, sharing their knowledge of dark magic and ancient weapons to combat the new threat. This would involve a lot of cultural clashes and learning experiences between the two groups.